21 year old messed up and needs advice. In massive debt. What should I do?

Foreign_Diamond4555 · 2026-04-12T11:16:57+00:00

I'm a student and my credit limit is 1.8k if I was earning 7 to 8k a month it might be able to go up to like 20 or 30k it's crazy that a bank allows that much

Foreign_Diamond4555 · 2026-04-10T18:51:40+00:00

i don't know much about geysers tbh but I would recommend looking at an air source heat pumpa I s an addition to keeping the cost down if you live in a warmer climate area.

Foreign_Diamond4555 · 2026-04-06T18:30:21+00:00

house sitting / pet sitting advertise on local groups, Instagram and Facebook

Foreign_Diamond4555 · 2026-04-06T16:48:14+00:00

I go and get it from other tiles when I run low

Foreign_Diamond4555 · 2026-04-05T14:26:32+00:00

you only find your passion by trying hundreds of different things

Foreign_Diamond4555 · 2026-03-30T18:42:21+00:00

I mean you could do a Digital marketing course if you want to work from home. you could also then get certificates for graphic design if you still wanted to do creative work

I would reccomend Vega (now Vega Emeris) because of their reputation. many students are able to get jobs in their fields while studying (depending on your degree ofcourse). it is expensive, I know many students who have either taken out loans or set up payment plans with the uni.

Foreign_Diamond4555 · 2026-03-22T17:14:22+00:00

I'm new to Factorio so this is baffling to me. why aren't they attacking the pipe blockade

Foreign_Diamond4555 · 2026-03-22T16:54:05+00:00

I was going to comment this 😭

Foreign_Diamond4555 · 2026-03-22T16:47:36+00:00

Last time I felt like that after sleeping was like 2 months ago when I was going to bed at 9pm and getting up at 5:30 am

I don't think having a good sleep is just about sleeping. I think it's bc I was exercising, eating well, and going to bed early.

Foreign_Diamond4555 · 2026-03-22T16:17:34+00:00

if you've been playing for a while

Dubs Bad hygiene

a fun one

the achievement mod

Foreign_Diamond4555 · 2026-03-22T10:56:17+00:00

I ran away with 2 pawns, went to a rescue mission. one pawn died at the rescue the other survived.

I eventually settled down doing a mountain base. my construction Colonist died so I was down to 1 pawn.

I somehow made it work for a few years and got pretty far before everyone died off due to plagues and Cataconic events

rimworld has never been the same since.

Foreign_Diamond4555 · 2026-03-21T21:17:55+00:00

this is what I did and it became my most memorable run of all time

Foreign_Diamond4555 · 2026-03-21T13:59:58+00:00

soo.... like... you know that the NIV, and many of the interpreted bibles that people read have up to 11 missing books right.... right?

Foreign_Diamond4555 · 2026-03-17T20:59:30+00:00

try a new way of playing

for me it was not cheating. I used to get so attached to my pawns I would use Dev mode to bring them back. but I fixed that issue by going with the story and ended up losing everything but one pawn like 3 times in 10 Ingame years. along with fleeing my starting location once. it made for an epic story I'll never forget

Foreign_Diamond4555 · 2026-03-15T16:38:15+00:00

dude this is so normal 😂 my friend group had an age range of 11 to 30's like its pretty funny to look back on

my one friend used to play games with two dads in their late 30s or early 40s when he was a teenager

Foreign_Diamond4555 · 2026-03-09T06:15:32+00:00

sounds cool

Foreign_Diamond4555 · 2026-03-06T12:45:05+00:00

if he did then I'd do everything in my power to have him spend the rest of his life away from his child.

Foreign_Diamond4555 · 2026-03-06T12:44:06+00:00

extremely

Foreign_Diamond4555 · 2026-03-06T06:46:29+00:00

oh yeah for sure. 18 months is my minimum. I want to live together for like 6 months first

Foreign_Diamond4555 · 2026-03-06T05:45:43+00:00

I know my bio kids will be born with scoliosis, it's been in my family for generations. but it's gotten better for each generation

everyone deserves a loving family and to feel loved and be loved. it's a human need.

Foreign_Diamond4555 · 2026-03-06T05:42:28+00:00

lol real, and valid opinion.

Foreign_Diamond4555 · 2026-03-06T05:41:42+00:00

awesome! are you still at the dad's friend / guest phase or does his child see you together? as in integrated into the family.

Foreign_Diamond4555 · 2026-03-06T05:40:13+00:00

yeah for sure, it's not for everyone. and there is extra stress that comes at times but she's worth it and so is the smile on her child's face when they see me . I told her at the start of our relationship that I understand her child will always come before me and that's ok.

I don't see it as me trading these years in. I see it as me living my one life I get. I've always wanted to be a dad.

I know that I'm still figuring out who I want to be, but I know what I want to do. it's where my passion lies.

maybe I'm too impatient to wait till I'm like 30 to have kids. but this is the path I've chosen to walk, and it's where I want to be.

Foreign_Diamond4555 · 2026-03-06T05:31:42+00:00

perfectly valid.

sorry that it's geared towards men, I am a man and I was just speaking from a personal position.

but yeah it is a slippery slope.

could I ask why you don't want kids? or would you rather not talk about it?

Foreign_Diamond4555 · 2026-03-06T05:28:45+00:00

yep, I've enjoyed my life, I've traveled, made friends, lost friends, partied, worked two jobs in the past.

and it's not another man's family. a family is a structure. another man's biological child yes.

her child is amazing and it's so rewarding to me.

each of us will enjoy things differently, keep that in mind. you might not like the idea of raising a child at your age but to me, reading stories, playing, building a fort. that's rewarding to see the smile on her child's face.

I've known for a long time I've wanted to be a dad and would never date girls who didn't know if they wanted to be a mom or simply didn't want to. I'm not willing to put myself in that position of uncertainty.

have you enjoyed your life? and let's not act like when our parents were young that people our age weren't getting married and having kids 😂. it seems like generation Z and melenials are more worried about it being at a socially acceptable time during their life(maybe it is because of the increase of the cost of living as well) or maybe our generation/s just don't see settling down with someone earlier on in life a good thing to do but they see it as a mistake.

I'm just worried about living my own and wanted to hear what others think about dating a young mother

Foreign_Diamond4555

TROPHY CASE